Buy Now Pay Later

Choose to delay your payment
for a whole year.

Buy Now Pay Later is available on orders of £50 or more.

Avoid interest by paying the cash price in full within the 12 month payment free period.

Great for unexpected purchases that you need quickly.


  • Shop as usual and when you get to checkout select Buy Now Pay Later and the repayment period of either 104 or 156 weeks. This is the repayment period you will pay over, once the payment free period (12 months) has ended.
  • The payment free period starts from the date of order, including pre-orders and items not ready for immediate dispatch. Exclusions will be confirmed at the point of order.
  • Delivery, installation and other Financial Services products such as insurance cannot be placed on Buy Now Pay Later, these charges will appear on your next statement.
  • The interest rate typically used to calculate Buy Now Pay Later interest is 44.9% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period.
  • You can avoid interest by paying the cash price in full within the payment free period.
  • It's important to read your statements as they detail your payment dates and include reminders.
  • If you have any non Buy Now Pay Later purchases on your account you will still need to make at least your minimum payment as detailed on your statement.
  • Remember to allocate your Buy Now Pay Later Payment to the specific item you wish to pay off. You can do this in My Account or by phone.
  • Allow plenty of time for your payment to reach us, some payment methods take longer than others.
  • Paying at your own pace keeps you in control. You can manage your budget by paying off small amounts along the way and settle early too.
  • The ability for you to use Buy Now Pay Later will depend on how you manage your account and your credit status.

Choose to either

Pay one lump sum before the payment free period ends. Pay no interest.

Or

Pay in chunks before the payment free period ends. Pay no interest.

Need a little help?

Don't worry, get in touch on the number below

Call us on 0844 822 4706

SHOP NOW AND DELAY PAYMENT FOR A YEAR

You can choose Buy Now Pay Later in checkout when you spend £50 or more.

Avoid any interest by paying in full within 12 months.

Buy Now Pay Later typical interest rate is 44.9% per annum. Subject to status.

1
Buy Now Pay Later (BNPL) allows you to delay payment for 12 months. The payment free period starts when you place your order (including items which are purchased on pre-order and/or are not ready for immediate dispatch).

Select BNPL at checkout and the repayment period of either 104 or 156 weeks. This is the repayment period you will pay over, once the payment free period (12 months) has ended.

The interest rate typically used to calculate BNPL interest is 44.9% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period. You can avoid interest by paying the cash price in full within the payment free period.

Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.

Please note, if you have non BNPL purchases on your account you will still need to make at least your minimum payment as detailed on your statement.

Credit provided, subject to credit and account status, by Shop Direct Finance Company Ltd, Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18s only.